At Portage Mutual, we believe that doing business with integrity never goes out of style. It is as important today as it was when we began over 100 years ago, and it is part of what makes Portage Mutual customers so loyal. Over the years, we've built a reputation as one of the most responsive property and casualty insurers in Canada. Our new Business At Home Coverage shows you why.

Outstanding coverage for a wide range of home business operators:

Accounting

Adjuster (public or independent)

Antique Gallery/Shop

Appraisal Service

Art Gallery/Studio/Supplies

Bakery

Barber/Beauty Supplies

Book/Magazine Distributor

Bookbinding

Bookkeeping

Candy/Nut Confections

Ceramics & Glassware

Clothing & Accessories

Clowns, Magicians & Entertainers (excluding bands)

Computer Consultants/Repair

Cosmetic Sales (e.g., Avon, Mary Kay)

Desktop Publishing

Draftsman

Draperies & Window Coverings

Engraving

Expert Witness Consultant

Financial Planning

Floral Arrangements

Food Supplements/Vitamins

Framing

Gift Shop/Deliver

Graphic Artist/Designer

Hairdresser

Handicrafts

Hobby & Model Supplies

Household & Kitchen Products (e.g. Amway, Tupperware)

Insurance Agents/Brokers

Interior Design

Jewellery (costume)

Leather Goods

Personal Care Products

Photographer/Photography Studio

Printer/Publisher

Product Sales (e.g. Toys, Trophies)

Residential Inspection Service

Secretarial/Word Processing

Shoe Repair

Stationary & Paper Goods

Tailor, Seamstress, Alterations

Telemarketing

Transcribing, Court Reporters

Teachers/Tutors

TV/VCR Repair

Videotaping, Dubbing, Editing

Wedding Cake/Cookie Sales

Wood Products (not manufacturing)

Writers/Authors

High Standards of Coverage

Business At Home Coverage is available to businesses operated from your primary residence. It is offered as an extension to your Homeowner, Tenant, Condominium or Farm Homeowners policy. Coverage will be either All Risk or Broad Named Perils, depending on your residential policy.

Blanket coverage is provided for all business property on your premises, including tools, books, papers, office furniture, computer hardware and software and merchandise.

Off-premises blanket coverage is provided to a limit of $5,000 for all business property. Loss due to theft and accidental destruction is covered to a limit of $1,000 for securities and $300 for money.

You choose the level of coverage that best suits your business needs:

$10,000 property limit

$20,000 property limit

$30,000 property limit

Extra expense: provided to a limit of $2,500.

Liability Options: standard policy liability limit, with options to increase as required. Your Business At Home liability limit must be the same as your residential policy limit.

Professional liability for hairdressers: available on a per operator basis.

Deductible: same as your principal residence policy.

Claims-free Discount: will be applied to the Business At Home premiums if the principle residence policy is also loss free.

Too Big to Fit?
If your home business doesn't meet eligibility requirements for Business At Home Coverage, Portage Mutual can offer you a Retailers Pro or Office Pro policy at a discounted rate.